Savings plan for a home: Savings accounts + stocks sensible?

1. In a crash, a company like Microsoft certainly does not drop to $0.01 per share. Even a 50% loss in value is not easily possible in a diversified portfolio. Nevertheless, I am aware of the risk.

2. Since my portfolio is in my name, because my partner does not want to have anything to do with stocks, no one can clear out the portfolio for me (even if your response was certainly not entirely serious).

3. However, I have had the experience that banks do consider securities as equity capital, as long as it is not a cannabis portfolio.

Have you had different experiences with such a combination in the past?

1. In a crash, a company like Microsoft certainly wouldn’t drop to $0.01 per share. Even a 50% loss is not easily possible in a diversified portfolio. Nevertheless, I am aware of the risk.

Hehe, then you probably haven’t been around for very long.

3. However, I have indeed had the experience that banks consider securities as equity capital, as long as it is not a cannabis portfolio.

Have you had different experiences with such a combination in the past?

Of course, you can include it as collateral. Then there is a lending value. Usually for stocks, 50% - 60% of the value. The portfolio is pledged for that. Meaning you need bank approval for every transaction. (At least that’s how I know it). That, in turn, doesn’t quite fit your strategy.

As my predecessor already said, your stock investments seem to have only a short duration. 1. even a value of 1€ can lose 50% 2. unauthorized access to your online depot 3 what experience? You have already taken out a mortgage loan? Hardly, because otherwise you wouldn't ask. Stocks have good opportunities and risks, but I find the proportion too high. But to each their own

I find investing 30% in stocks rather low than high. The topic of stocks is still, in my opinion, seen too negatively by many people in Germany. The historical figures show that stocks are indeed a good (long-term) investment. My parents have been involved in the stock market for 20 years now and my grandfather for 40. They have not regretted it so far despite the dot-com and real estate crises.

Would the blocking notice also apply if I only provided the bank with the portfolio as a "backup"? Otherwise, I could imagine moving the ETFs to a separate portfolio and then pledging that to the bank as collateral to avoid completely losing control over my remaining assets. Otherwise, I would take the securities issue out of the planning entirely and only plan with my other reserves.

All good, it's great that you're doing it. But as you already wrote, it is investing, not saving. No, there is no restriction note and no, you cannot pledge the depot. A construction loan is a simple, low-cost product. All other things like pledging securities, etc. are too individual and too expensive for the bank. So you will eventually come to the point where you might have to liquidate your depot.

There are already constructs where this is done. But it is not sensible for your case. As already said, separate that. I completely agree with you. In the long term, this is a good way, but it should have nothing to do with your property.